Reverse mortgages how to use reverse mortgages to secure your retirement the retirement researcher guide series ebook pfau wade amazonca kindle store. A reverse mortgage can be used to pay off an existing mortgage to get that expense out of the budget it can make that retiree less vulnerable to sequence risk by taking that fixed mortgage expense out of the budget which helps to reduce the withdrawal rate thats a way to manage sequence risk. The basics of reverse mortgages most borrowers will want to focus on reverse mortgages offered by lenders approved by the federal housing authority as part of the home equity conversion mortgage. Other researchers we should note are also praising the use and value of reverse mortgages and the need to incorporate housing wealth into a retirement income plan